^ This is what I use, too.
And my neighbors are even closer.
We live in what's typically known as an "inner ring" - aka commuter - suburb of a major metro area, so, quite literally, we're just a driveway's distance away from neighbors on either side.
To mitigate the over-penetration concern, I felt that I first had to look at the ACTUAL concern in home-defense: that of stopping the aggressor(s).
Unfortunately, because of the realities of human physiology, this simply means the need for sufficient penetration as a part of the weapon-system's terminal ballistics. There is unfortunately no magic bullet, yet, that will stop the bad actor(s) without also offering substantial penetration in the surroundings/backdrop in the event of a miss. Since stopping the threat(s) is the mission, I feel that, most importantly, the chosen cartridge must do so in an effective and unequivocal manner.
Towards this end, as the shooter, I must be able to accomplish a few things, too:
- I need to have good marksmanship. I absolutely need to know my POA/POI relationship at CQB distances, and be able to effectively employ my home-defense weapons at these distances. I need to be able to meet stringent marksmanship standards, under pressure.
- I need to have good recoil control to effect accurate follow-up shots, with my home-defense weapons. Primary reason: human physiology.
In both of these instances, accuracy is the critical component: I need to hit my target(s). This is not only so that I can achieve my primary goal of stopping the threat(s), but also has direct impact (no pun intended) on the concern of "over penetration" in case of missed shots.
So, towards that latter - the possibility of misses - I've simply designed/designated lanes-of-fire in the my home-defense planning, with the specific goal of mitigating the possibility that a bullet will travel outside of our house should I miss. Either angles which will not allow such escaped projectiles to impact adjacent homes or, even better, to utilize appropriate backstops to prevent the bullet from exiting my home.
With a shotgun using pellet, the biggest thing we need to do as shooter is to pattern that specific cartridge/load, in our specific and unique shotgun. I know at "typical" CQB distances (7, 10, 15, and 25 yards) what my HD 870 will do with that very same load you are using,
@LicensedToPill - I know at what point that I'll need to either start really take the backdrop into account (>25 yards) as well as at what distance/target template that I'll need to effect a slug change-over (in the home? no, but in case I had to use the gun outside the home
).
Finally, it's been suggested my various SMEs that even the lot of manufacture can create noticeable differences in patterning, so in the HD context, I try to take this into account, too.